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Yes, getting a credit card after 7 years of bad credit is possible.

Most negative items, like missed payments or accounts in collections, usually drop off your credit report after 7 years. This can help improve your credit score and increase your chances of being approved for a credit card again.

What you can do:

  • Apply for a secured credit card if you're not eligible for a regular one.
  • Make all your payments on time going forward.
  • Keep your credit usage low to show responsible behavior.

Use tools like PFScores to track your credit score and see how your actions are helping you rebuild.

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John Robert

Lvl 5
1mo ago

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